Replant Option (RO)

Although most Multiple Peril Crop Insurance (MPCI) policies include replant coverage, it may not cover all of your expenses for replanting. You can offset some of your replanting costs in excess of those covered by your underlying MPCI policy with our Supplemental Replant Option (RO) insurance.

Supplemental Replant Option (RO)

Although most Multiple Peril Crop Insurance (MPCI) policies include replant coverage, it may not cover all of your expenses for replanting. You can offset some of your replanting costs in excess of those covered by your underlying MPCI policy with our
Supplemental Replant Option (RO) insurance. We don’t have a minimum acreage requirement, so our RO plans pay on an insured loss from the first acre damaged.

Insured perils include:

Adverse weather conditions

Naturally occurring fire

Insects, if sufficient pest control measures are used

Plant disease, if sufficient disease control measures are used

Wildlife

Earthquake

Volcanic eruption

Irrigation supply failure, due to an insured peril

RO reimbursement calculation

In this example, the producer insures 200 acres of corn in one unit with 100% share and has elected $40 of coverage on the RO policy. On a 15 acre portion of the unit, it is determined by the company that it is feasible and necessary to replant. No replant
payment was received on the CCIP policy. The $40 of elected coverage per acre will be used in calculating the reimbursement.

15 acres × $40 elected coverage × 100% share = $600

Corn and soybean protection

We offer three levels for corn and soybeans‡: $20, $30, and $40 per acre. Supplemental replant coverage can attach when the crop is planted up to five (5) days prior to the earliest planting date. Plans are available in select states:

Alabama*

Arkansas*

Delaware*

Georgia*

Illinois*

Indiana

Iowa

Kentucky*

Louisiana*

Michigan

Minnesota

Mississippi*

Missouri*

Nebraska

New Jersey*

North Carolina

Ohio

Pennsylvania*

South Carolina

South Dakota

Tennessee*

Virginia*

Wisconsin

Cotton protection

For cotton, we offer two coverage levels of $50 and $75 per acre. RO coverage for cotton is available in the following states: